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Eurasian Society of Educational Research
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Christiaan Huygensstraat 44, Zipcode:7533XB, Enschede, THE NETHERLANDS

'Financial education' Search Results

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This paper analyzes the key determinants of the quality of preschool education in Bosnia and Herzegovina. Based on the analysis of recent data, the paper indicates the status and development trends in this regard in the last decade. Although preschool education in Bosnia and Herzegovina has a long tradition, it is facing a number of challenges, mostly arising from the arrangement of the state system and post-war transition processes which have significantly impoverished this level of education. Therefore, the main goal of this paper is to point out the recent public policy efforts made in the attempt to ensure the quality of preschool education in Bosnia and Herzegovina, as well as the effects that are being achieved in this regard. Since quality can be approached from the aspects of structure and process, the elementary structural and process dimensions of preschool education will be taken as units of this analysis. Conceptualizing the results of this analysis, the status and quality of preschool education in Bosnia and Herzegovina will be positioned through an orientation towards the European framework for the quality and development trends of preschool education in Europe.

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10.12973/eu-jer.11.4.1923
Pages: 1923-1936
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2

Teacher-Student Performance Criteria During Online Classes due to COVID-19: Self-Report by Postgraduate Students in Education

didactic pandemic performance school lockdown teaching

Aldo Bazán-Ramírez , Rolando Quispe-Morales , Carlos De La Cruz-Valdiviano , Carmela Henostroza-Mota


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During didactic interactions, teachers and students employ competencies and skills that correspond functionally to one another, and several models propose to typify didactic performances in higher education. For this study, we chose the didactic performance interbehavioral model as the substantive theory to identify six pairs of didactic performance criteria through self-evaluations from graduate students. These included: Competency exploration–precurrent learning behaviors, Criteria explicitness–Criteria identification, Illustration–Participation, Practice supervision–Relevant practice, Feedback–Improvement, and Evaluation–Application.309 Peruvian students from an in-person postgraduate course in Education Sciences filled out two scales (via Google Forms) to assess teacher-student performance criteria during online classes. Convergent and divergent validity were obtained separately for six teacher/student performance constructs through a confirmatory analysis using LISREL 8. Moreover, differences according to sex were only significant for the Illustration teacher criterion (favoring men) and the Application student criterion (favoring women). Students rated Explicitness of criteria and Illustration as the teacher performance criteria most frequently seen during online classes. On the other hand, Criteria identification ranked the highest in terms of the students’ performance criteria, followed by Feedback–Improvement. Another conclusion was that the didactic performance interbehavioral model could be empirically supported by the two self-assessment questionnaires, which yielded good convergent and divergent validity of constructs.

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10.12973/eu-jer.11.4.2101
Pages: 2101-2114
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565
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The article deals with financial education. The data were collected as part of the Slovenian project “NA-MA POTI” (NAroslovje, MAtematika, Pismenost, Opolnomočenje, Tehnologija, Interaktivnost- Science, Mathematics, Literacy, Empowerment, Technology, Interactivity), which aims, among other things, to promote financial literacy at the national level. The aim of the survey presented here is to determine teachers’ attitudes towards financial literacy and their teaching strategies in teaching topics related to financial literacy. A total of 158 teachers participated in the survey. The results show that most teachers agree that financial literacy is important. Those teachers who agreed that financial literacy is important were also statistically significantly more likely to use group work, approaches and work methods that require the development of critical thinking and authentic tasks, which provides a good foundation for knowledge transfer in everyday life.

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10.12973/eu-jer.11.4.2265
Pages: 2265-2273
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612
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1805
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4

Stuck in a Lockdown: Filipino Students' Odyssey of Resilience

lockdown pandemic phenomenology resilience stranded

Derren N. Gaylo , Lora E. Aňar , Cecille Marie T. Improgo , Ritchelee B. Alugar


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The COVID-19 outbreak in the Philippines forced schools to close. Many Filipino students were stranded in their dormitories and boarding houses due to government-imposed lockdowns. As the study's impetus, the researchers explored the phenomenon of stranded students during a pandemic. A transcendental phenomenological inquiry was conducted in Northern Mindanao, Philippines, to disclose the experiences of six stranded students. Stranded students' lifeworld throughout the lockdown was documented through phenomenological interviews. The phenomenological reduction technique was used to transcribe and analyze the data. Provisional codes were used to classify critical statements into themes for the initial analysis of the interview data. The research revealed the themes of (a) groping in the dark, (b) journeying towards the light, and (c) welcoming the breaking dawn. The various stages of reality in the life of the stranded students are shown in these topics. They relate the story of how their confinement experience taught them to be resilient, which covers resilience as a process. The paper discusses numerous pedagogical implications of the phenomenon.

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10.12973/eu-jer.11.4.2315
Pages: 2315-2329
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548
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2057
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2

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1

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School placement plays a critical and complex role in student teacher development as well as in their professional dispositions and career attitudes. It is where theory and practice meet, teaching skills are developed, professional relationships formed and future careers envisioned. This mixed methods study explores student teachers’ experiences with and perspectives about new models of extended school placements developed in Ireland following significant policy and programme reform. Data was collected through interviews and questionnaires with one of the first cohorts to experience a reconceptualised initial teacher education programme, including extended school placement periods in a variety of school settings. This paper will explore student teachers’ perspectives regarding the value of the extended placement and factors influencing their professional learning, agency and sense of belonging. Overall, our findings confirm the pedagogical benefits of the extended placement in two different school settings for student teachers’ professional learning. However, they also highlight how a number of factors, including the existence (or absence) of school support structures, school culture, peer networks, paid or unpaid additional workload and financial pressures impacted on student teachers’ capabilities to develop their skills and professional agency, their sense of belonging and, in some cases, their physical and mental health.

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10.12973/eu-jer.11.4.2373
Pages: 2373-2386
cloud_download 557
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557
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1839
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9

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9

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The longitudinal changes of the average grades in four study semesters before and during the COVID-19 pandemic and distance learning are presented in the current study. 11th grade students’ (n=586; age M=17.38, SD=0.53) average grades were assessed, as well as their verbal and non-verbal reasoning abilities, and self-evaluations of problem-solving and self-management skills. The main findings of the study are: 1) There is a general pattern for the grades to increase during the four semesters from the autumn 2019 to the spring 2021; 2) The general tendency of changes in the grades is similar to various students’ groups based on their level of skills; 3) Higher level of students’ skills and cognitive abilities determined that students’ grades were higher and were more likely to increase during the “second wave of the pandemic”, compared to the middle and low-level skill groups. Results of the current study show a tendency for the average grades to increase during the pandemic and distance learning, however, there are group differences in the findings, relating the grade level to the individual level of students’ skills and abilities.

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10.12973/eu-jer.11.4.2445
Pages: 2445-2458
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460
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1484
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3

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2

Professional Certifications of a University Master’s Degree and Employability: Impact on Students’ Perception

educational innovation postgraduate degree professional certification

David Peón , Xosé-Manuel Martínez-Filgueira , José-Luís Rodríguez-Gómez


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Professional certifications represent for many university degrees, especially postgraduate degrees, a recognition of their academic quality and the future employability of the graduates. This article contributes to the analysis of the impact of external accreditations on students’ perception of employability and satisfaction. We offer a case of study, a Master of Science (MSc) in Banking and Finance that became the first academic degree in Spain to obtain the two professional accreditations required for employees in financial institutions since 2019. A survey to a sample of students who graduated two academic years before and two years after the MSc was recognised is used to measure students' motivations for enrolment and satisfaction. The results provide significant evidence that professional accreditation became a key motivation for students to enrol the master, is associated with a more diverse geographical origin of students, and students highlight the higher quality and better coordination of the teaching staff.

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10.12973/eu-jer.12.1.173
Pages: 173-188
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509
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1473
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2

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1

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The primary objective of this study is to require the experts’ unanimous agreement on the e-learning antecedents and usage behavior towards e-learning performance. This study used the Fuzzy Delphi Method (FDM) to gather answers and feedback using a 7-point Likert scale. The survey (items) was reviewed and approved by eight panel members or experts. It was analyzed using Fuzzy Delphi Logic (FUDELO 1.0) software. The data were evaluated using triangular fuzzy numbering and the position (ranking) of each variable was established through defuzzification. The findings revealed that all of the items received high levels of expert agreement, significantly greater α-cut defuzzification values >.5, the overall value of the threshold (d) is less than .2 and had to comply with the overall percentage of percent consensus, which must be greater than 75%. All 45 recommended items were retained adequately and acceptable for a large-scale survey in this study. Finally, each item was prioritized (ranked) based on the defuzzification value, and then some additional items were added, as recommended by experts.

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10.12973/eu-jer.12.1.467
Pages: 467-480
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426
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1406
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3

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6

Teachers’ Performance During the COVID-19 Pandemic in Indonesia: Causality and Comparison

competence moderated factor teacher performance

Ngabiyanto , Ahmad Nurkhin , Kemal Budi Mulyono , Iwan Hardi Saputro , Didi Pramono , Asep Purwo Yudi Utomo


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The greatest impact of the COVID-19 pandemic on Indonesian education was the decline in teacher performance. In light of this information, this study analyzes the role of supervision, salary and benefits, school climate, training and development, and perceived organizational support in moderating the impact of competence on teacher performance during the COVID-19 pandemic. This study also compares the relationships between employed government and private teachers. Data were collected through questionnaires to teachers with a sample of 166 government teachers and 175 private teachers in primary and secondary schools through a Google form and analyzed using moderated Structural Equation Modeling-Partial Least Square (SEM-PLS), multigroup, and multilevel analysis. The results showed that salary and benefits, training, and development did not affect the performance of public school teachers. In contrast, only salary and benefits did not affect teacher performance for private teachers. Moreover, only supervision significantly moderated the effect of competence on the performance of public school teachers. However, supervision, salary, benefits, school climate, training and development, and perceived organizational support did not affect private teachers' performance. The Ministry of Education or the Foundation needs to review and improve the mechanisms of training and development, supervision, and school organizational climate to promote optimal teacher performance during the pandemic.

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10.12973/eu-jer.12.2.605
Pages: 605-621
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652
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1727
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Ursula von der Leyen identifies diverse classrooms have different knowledges and ‘epistemologies’. A typology of epistemologies for democratising knowledge ‘A Blueprint for Character Development for Evolution’ (ABCDE) is offered to mainstream policy benefits for all by Higher Education as hubs i) credentialing educational leaders by doctoral-study and ii) propelling networks of Professional Educators and Administrators Committees for Empowerment (PEACE) across professions credentialed by Higher Education and chaired by educational leaders. PEACE builds robust evidence bases to inform redesigning curriculums and culturally responsive pedagogies as policy benefits that empower students to use ABCDE with Assessment for Personal and Social Learning (APSL) to problem solve across the quadruple-helix. Education Outcomes include students’ self-management of personal and social understanding and wellbeing for resilience within sustainable circular, entrepreneurial, green and digitised economies with products and means of production regulated by professions credentialed by Higher Education. Impacts include communities developing responsible historical social consciousness to reinvigorate democratic governance, accountability, transparency, effectiveness and trustworthiness of rule-of-law based institutions and policies to expand active and inclusive citizenship empowered by safeguarding human rights. Further research, building on the powerful European Commission funded platform ‘DocEnhance’ is recommended to inform effective and efficient investment into high quality education and training.

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10.12973/eu-jer.12.2.623
Pages: 623-637
cloud_download 840
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840
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1435
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2

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3

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Secondary subject subcultures, differing in status, perceived sequentiality, and scope, have been shown to form within departmental content areas. This study aimed to determine if preservice secondary teachers also exhibited attributes of secondary subcultures. Through the Teacher Multicultural Attitude Survey and the Culturally Responsive Teacher Self-Efficacy Scale, this study revealed that subcultures also occur within preservice teachers, specifically preservice mathematics teachers and preservice English teachers, with regards to multicultural awareness and attitudes. The results from this study support the need for purposeful and consistent focus on multicultural education and Ethnomathematics education in mathematics education programs. In doing so, secondary mathematics students can obtain a robust background in multicultural education before entering the PK-12 classroom. When they do enter the PK-12 classroom, they will be able to empower all students that they teach.

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10.12973/eu-jer.12.3.1425
Pages: 1425-1435
cloud_download 422
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422
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1376
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This study aimed to compare and examine the effectiveness of interactive STEM learning and paper-and-pencil STEM learning in terms of mathematical literacy skills of elementary school students. This research is of a quasi-experimental type with a non-equivalent pretest-posttest control group design. Sampling was carried out on the elementary school populations in Bengkulu and South Sumatra Provinces in two stages. In the first stage, schools in rural and urban areas were selected, and in the second, classes in each school were randomly selected. The selected sample consisted of fifth-grade students of the Public Elementary School of Terawas, Musi Rawas, with an experimental class A (n = 20) and an experimental class B (n = 19), as well as fifth-grade students of the Public Elementary School of Bengkulu City, with an experimental class A (n = 25) and an experimental class B (n = 22). Data collection was conducted using mathematical literacy skills tests in reference to the PISA and Minimum Competency Assessment (level 1–3). Data analysis was performed using descriptive and inferential statistics; it employed an independent t-test for the comparative testing and an N-gain test for testing the effectiveness of STEM learning. The results showed that there were differences in math literacy skills between interactive STEM and paper-and-pencil STEM for students in urban schools, but not significantly different for students in rural schools. General STEM learning was effective in increasing the literacy of elementary school students, and interactive STEM in particular demonstrated the highest level of effectiveness in the urban school.

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10.12973/eu-jer.12.4.1569
Pages: 1569-1582
cloud_download 978
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978
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2781
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2

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5

Demystifying the Relationship Between Confidence and Critical Thinking in Mathematics among Preservice Teachers in West Philippines

educational research innate characteristics mathematics education prospective teachers thinking skills

Jupeth T. Pentang , Mary Glory M. Caubang , Aira May L. Tidalgo , Sairey B. Morizo , Ronalyn M. Bautista , Mark Donnel D. Viernes , Manuel L. Bucad Jr. , Janina C. Sercenia


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Mathematical confidence and critical thinking are essential in preparing preservice teachers. Thus, this study explored the perceived confidence and critical thinking levels in mathematics of elementary and secondary preservice teachers. A descriptive-correlational-comparative research design was employed, with a sample of 107 randomly selected preservice teachers enrolled in the Bachelor in Elementary and Secondary Education programs of a state university in West Philippines. The study used arithmetic mean, standard deviation, Spearman’s rank-order correlation, and independent samples t-test to analyze and draw conclusions from the data. The findings revealed that the preservice teachers have high confidence and critical thinking skills. Their program significantly correlates with their perceived critical thinking and confidence level. Besides, the preservice teachers’ confidence levels and perceived critical thinking skills significantly correlate. Further analysis found significant confidence and critical thinking differences favoring the secondary over the elementary preservice teachers. These findings provide insights that would benefit mathematics educators in providing priority programs to enhance the preparation of future math teachers.

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10.12973/eu-jer.12.4.1743
Pages: 1743-1754
cloud_download 655
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655
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2130
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2

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4

Research on STEM in Early Childhood Education from 1992 to 2022: A Bibliometric Analysis from the Web of Science Database

bibliometric early childhood education stem education web of science

Thi-Lam Bui , Thanh-Huong Nguyen , Manh-Tuan Nguyen , Thi-Tham Tran , Thi-Luyen Nguyen , Viet-Nhi Tran , Ut Phuong Dang , Cam-Tu Vu , Anh-Duc Hoang


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STEM education is an irreplaceable movement of educational systems across the globe in the 21st century. Both Pre-K, K-12, and higher education institutions consider STEM as an innovative approach to integrate and reform the teaching and learning processes. The purpose of this paper is to examine the development of studies on STEM in the Early Childhood Education context from 1992 to 2022. We investigated a dataset of 308 scholarly works from the Clarivate Web of Science database and figured a diversified collection of research focuses on topics such as children’s readiness, outcomes, teachers’ competency in designing and implementing STEM activities, and the role of computational thinking and robotics. The findings of this paper revealed the dominant contribution of researchers from the USA regarding research quantity and impact, as well as their collaborations with researchers from Western countries. In addition, we also figured out the top influencing authors, documents, and journals as a suggestion for scholars who are new to this topic. However, we would like to note that our findings depended on the quality of the imported database from the WoS system, which covers top-tier journals only.

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10.12973/eu-jer.13.3.1057
Pages: 1057-1075
cloud_download 644
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644
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4495
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3

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1

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Reinforced by the Russian war, an even stronger economic, social, and political orientation towards the values of the European Union and thus also Western economic paradigms is taking place in Ukraine. This article investigates financial literacy (FL) as the knowledge and understanding of personal finance among university students in Ukraine. Individual financial decision-making will be central to the reconstruction of Ukraine and the long-term economic growth of the country. We use the principles developed by the U.S. Council for Economic Education in modelling FL. In doing so, we examine the feasibility of using a version of the U.S. American Test of Financial Literacy translated and adapted into Ukrainian. The translation and adaptation process of the 50-item test instrument is presented in the article. Significant differences in the content of FL between Ukraine and the U.S. test instrument are highlighted. At the beginning of the winter semester 2022, the Ukrainian version was administered to 68 students at three East-Ukrainian universities (Donetsk, Sumy, Kharkiv). In the article, we present findings from the initial validation of the test instrument and show from a content perspective which hurdles need to be overcome in the future for some concepts of FL.

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10.12973/eu-jer.13.3.1107
Pages: 1107-1119
cloud_download 458
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458
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1853
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2

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0

Artificial Intelligence in Higher Education: A Bibliometric Approach

artificial intelligence bibliometric analysis higher education scopus vosviewer

K. Kavitha , V. P. Joshith , Neethu P Rajeev , Asha S


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The world eagerly anticipates advancements in AI technologies, with substantial ongoing research on the potential AI applications in the domain of education. The study aims to analyse publications about the possibilities of artificial intelligence (AI) within higher education, emphasising their bibliometric properties. The data was collected from the Scopus database, uncovering 775 publications on the subject of study from 2000 to 2022, using various keywords. Upon analysis, it was found that the frequency of publications in the study area has risen from 3 in 2000 to 314 in 2022. China and the United States emerged as the most influential countries regarding publications in this area. The findings revealed that “Education and Information Technologies” and the “International Journal of Emerging Technologies in Learning” were the most frequently published journals. “S. Slade” and “P. Prinsloo” received the most citations, making them highly effective researchers. The co-authorship network primarily comprised the United States, Saudi Arabia, the United Kingdom, and China. The emerging themes included machine learning, convolutional neural networks, curriculum, and higher education systems are co-occurred with AI. The continuous expansion of potential AI technologies in higher education calls for increased global collaboration based on shared democratic principles, reaping mutual advantages.

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10.12973/eu-jer.13.3.1121
Pages: 1121-1137
cloud_download 1174
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1174
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7590
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5

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7

Bibliometric Analysis of Research Developments on Differentiated Instruction

differentiated instruction scopus data rstudio vosviewer

Asih Utami , Sujarwo , Puji Yanti Fauziyah , Ali Mustadi , Riyan Hidayat , Imam Rofiki


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This research attempts to map the trend of research related to differentiated instruction (DI). The research was conducted in May 2023 by researching research articles in the Scopus database. The search data from Scopus used title, abstract, and keyword searches. Research articles were analyzed descriptively based on year of publication, journal name, affiliation, country, and researcher name. The article database from Scopus was analyzed through VOSviewer and RStudio software so that a bibliometric map could be depicted in research related to DI. Based on the Scopus analysis results, it showed that publications of articles related to DI had increased from 2011 to 2021, although it decreased in 2016. The journal with the largest contributor to the publication of research articles related to DI was the Teaching and Teacher Education Journal. Vrije Universitiet Brusel was the university with the most published articles on DI. The country that contributed the most to the research articles related to DI was the United States. Struyven was the most productive scholar related to DI. Through network visualization, it was revealed that the evolution map of research related to DI was divided into five clusters.

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10.12973/eu-jer.13.3.1421
Pages: 1421-1439
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556
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2255
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4

The Effect of Work-Based Learning on Employability Skills: The Role of Self-Efficacy and Vocational Identity

employability self-efficacy vocational identity work-based learning

Suyitno Suyitno , Muhammad Nurtanto , Dwi Jatmoko , Yuli Widiyono , Riawan Yudi Purwoko , Fuad Abdillah , Setuju , Yudan Hermawan


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Work-based learning (WBL) is an important tool for enhancing students' employability skills in vocational education and training. Many studies have underlined the importance of a variable of WBL, self-efficacy, and vocational identity in developing vocational students' employability skills. Nonetheless, the research is limited and examined separately. Therefore, this study investigates how WBL, self-efficacy, and vocational identity influence employability skills and how self-efficacy moderates between WBL and employability skills. Four hundred and three state university students in Yogyakarta were involved in the data collection. This study used structural equation modeling (SEM) analysis to test its hypothesis. The results of the study revealed that the implementation of WBL did not have a direct effect on employability skills; however, self-efficacy was able to moderate the relationship between WBL and employability skills. However, WBL directly influences vocational identity, which in turn directly influences employability skills, while self-efficacy also directly influences employability skills. This research has important implications for improving learning that can improve students' self-efficacy skills in an effort to build students' employability skills in vocational education and training.

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10.12973/eu-jer.14.1.309
Pages: 309-321
cloud_download 455
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455
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4041
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4

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2

Identifying Key Variables of Student Dropout in Preschool, Primary, Secondary, and High School Education: An Umbrella Review Approach

bibliometrics cause and effect explanatory variable school dropouts systematic review

Sandra Patricia Barragán Moreno , Alfredo Guzmán Rincón , Gloria Patricia Calderón Carmona , Leandro González Támara , Oscar Leonardo Lozano Galindo


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This umbrella review aimed to synthesize variables that explain dropout among students in preschool, primary, secondary, and high school education. The study focused on peer-reviewed articles indexed in SCOPUS, Web of Science, and ERIC, identifying five systematic reviews that provided comprehensive insights. Key findings revealed individual factors, such as insufficient parental support, emotional and behavioral challenges, and substance use, play significant roles in influencing student dropout. Socioeconomic factors, including poverty, financial constraints, and social inequalities, were also identified as critical contributors. Additionally, institutional elements such as inadequate school infrastructure, insufficient teacher training, and a lack of culturally relevant resources emerged as barriers to student retention. This review highlights research gaps in political-legislative, sociocultural, and family determinants, longitudinal analyses, dropout interventions’ long-term effectiveness, and marginalized populations’ representation, limiting a comprehensive understanding of student dropout and effective policy development. Recommendations include targeted policies and interventions that foster inclusive and supportive educational environments, reduce inequities, and improve access to resources to minimize dropout rates among students in preschool, primary, secondary, and high school education.

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10.12973/eu-jer.14.2.585
Pages: 585-600
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90
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610
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0

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Research in mathematics education and interdisciplinarity is varied and extensive, covering multiple approaches that reflect a growing interest in this type of perspective. The objective of this study is to systematize the findings of research on interdisciplinary mathematics education published between 2019 and 2024. The review was carried out following the guidelines of the PRISMA statement, allowing us to identify 49 articles published in journals indexed in the Web of Science (WOS) and Scopus databases. Subsequently, a content analysis was carried out to identify methodological and theoretical aspects present in the studies reviewed, such as methodology employed, education level of participants, disciplines integrated with mathematics, and types of interdisciplinary tasks proposed. Additionally, four main research themes were identified: (a) understanding of interdisciplinarity; (b) pedagogical strategies for interdisciplinary development in mathematics education; (c) interdisciplinarity for the development of mathematical skills; and (d) professional development of mathematics teachers. The results reveal a sustained increase in the number of publications, which reflects a growing interest in the interdisciplinary approach in mathematics education. Finally, several challenges and opportunities are highlighted for future research, including the need to develop an interdisciplinary teacher training model, the creation of pedagogical strategies that promote greater interconnection between disciplines, and the need to carry out more studies focused on early childhood and primary education in this area.

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10.12973/eu-jer.14.3.873
Pages: 873-887
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62
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364
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